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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $17,814 | $76,551-76.7% | $123,894-85.6% | $62,881-71.7% |
| Participation rate | 55.1% | 73.0%-17.9pp | 81.4%-26.3pp | 69.3%-14.2pp |
| Annual return | 50.66% | 18.68%+32.0pp | 47.52%+3.1pp | 20.14%+30.5pp |
| Employer contribution / active EE | $0 | $2,882-100.0% | $4,617-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $7,769 | $4,840+60.5% | $5,984+29.8% | $3,203+142.6% |
| Admin fee / account holder | $562 | $4,826-88.4% | $8,357-93.3% | $4,296-86.9% |